Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Texas. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Texas USDA Loan Limits – Guaranteed Loans
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Abilene, TX MSA | $306,000 | $391,000 |
| Amarillo, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Anderson County, TX | $306,000 | $391,000 |
| Andrews County, TX | $340,000 | $431,000 |
| Angelina County, TX | $306,000 | $391,000 |
| Aransas County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Atascosa County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Austin County, TX HUD Metro FMR Area | $306,000 | $408,000 |
| Austin-Round Rock, TX MSA | $374,000 | $483,000 |
| Bailey County, TX | $306,000 | $391,000 |
| Baylor County, TX | $306,000 | $391,000 |
| Beaumont-Port Arthur, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Bee County, TX | $306,000 | $391,000 |
| Blanco County, TX | $306,000 | $391,000 |
| Borden County, TX | $323,000 | $417,000 |
| Bosque County, TX | $306,000 | $391,000 |
| Brazoria County, TX HUD Metro FMR Area | $374,000 | $483,000 |
| Brewster County, TX | $306,000 | $391,000 |
| Briscoe County, TX | $306,000 | $391,000 |
| Brooks County, TX | $306,000 | $391,000 |
| Brown County, TX | $306,000 | $391,000 |
| Brownsville-Harlingen, TX MSA | $306,000 | $391,000 |
| Burnet County, TX | $306,000 | $391,000 |
| Calhoun County, TX | $306,000 | $391,000 |
| Camp County, TX | $306,000 | $391,000 |
| Cass County, TX | $306,000 | $391,000 |
| Castro County, TX | $306,000 | $391,000 |
| Cherokee County, TX | $306,000 | $391,000 |
| Childress County, TX | $306,000 | $391,000 |
| Cochran County, TX | $306,000 | $391,000 |
| Coke County, TX | $306,000 | $391,000 |
| Coleman County, TX | $306,000 | $391,000 |
| College Station-Bryan, TX MSA | $306,000 | $391,000 |
| Collingsworth County, TX | $306,000 | $391,000 |
| Colorado County, TX | $306,000 | $391,000 |
| Comanche County, TX | $306,000 | $391,000 |
| Concho County, TX | $306,000 | $391,000 |
| Cooke County, TX | $306,000 | $391,000 |
| Corpus Christi, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Cottle County, TX | $306,000 | $391,000 |
| Crane County, TX | $323,000 | $417,000 |
| Crockett County, TX | $306,000 | $391,000 |
| Culberson County, TX | $306,000 | $391,000 |
| Dallam County, TX | $306,000 | $391,000 |
| Dallas, TX HUD Metro FMR Area | $340,000 | $431,000 |
| Dawson County, TX | $306,000 | $391,000 |
| Deaf Smith County, TX | $306,000 | $391,000 |
| Delta County, TX | $306,000 | $391,000 |
| DeWitt County, TX | $306,000 | $391,000 |
| Dickens County, TX | $306,000 | $391,000 |
| Dimmit County, TX | $306,000 | $391,000 |
| Donley County, TX | $306,000 | $391,000 |
| Duval County, TX | $306,000 | $391,000 |
| Eastland County, TX | $306,000 | $391,000 |
| Edwards County, TX | $306,000 | $391,000 |
| El Paso, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Erath County, TX | $306,000 | $391,000 |
| Falls County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Fannin County, TX | $306,000 | $391,000 |
| Fayette County, TX | $306,000 | $391,000 |
| Fisher County, TX | $306,000 | $391,000 |
| Floyd County, TX | $306,000 | $391,000 |
| Foard County, TX | $306,000 | $391,000 |
| Fort Worth-Arlington, TX HUD Metro FMR Area | $306,000 | $408,000 |
| Franklin County, TX | $306,000 | $391,000 |
| Freestone County, TX | $306,000 | $391,000 |
| Frio County, TX | $306,000 | $391,000 |
| Gaines County, TX | $306,000 | $391,000 |
| Garza County, TX | $306,000 | $391,000 |
| Gillespie County, TX | $306,000 | $391,000 |
| Glasscock County, TX | $374,000 | $483,000 |
| Gonzales County, TX | $306,000 | $391,000 |
| Gray County, TX | $306,000 | $391,000 |
| Grimes County, TX | $306,000 | $391,000 |
| Hale County, TX | $306,000 | $391,000 |
| Hall County, TX | $306,000 | $391,000 |
| Hamilton County, TX | $306,000 | $391,000 |
| Hansford County, TX | $306,000 | $391,000 |
| Hardeman County, TX | $306,000 | $391,000 |
| Harrison County, TX | $306,000 | $391,000 |
| Hartley County, TX | $323,000 | $408,000 |
| Haskell County, TX | $306,000 | $391,000 |
| Hemphill County, TX | $306,000 | $391,000 |
| Henderson County, TX | $306,000 | $391,000 |
| Hill County, TX | $306,000 | $391,000 |
| Hockley County, TX | $306,000 | $391,000 |
| Hood County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Hopkins County, TX | $306,000 | $391,000 |
| Houston County, TX | $306,000 | $391,000 |
| Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area | $306,000 | $408,000 |
| Howard County, TX | $306,000 | $391,000 |
| Hudspeth County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Hutchinson County, TX | $306,000 | $391,000 |
| Irion County, TX SEA | $306,000 | $391,000 |
| Jack County, TX | $306,000 | $391,000 |
| Jackson County, TX | $306,000 | $391,000 |
| Jasper County, TX | $306,000 | $391,000 |
| Jeff Davis County, TX | $306,000 | $391,000 |
| Jim Hogg County, TX | $306,000 | $391,000 |
| Jim Wells County, TX | $306,000 | $391,000 |
| Karnes County, TX | $306,000 | $391,000 |
| Kendall County, TX HUD Metro FMR Area | $374,000 | $483,000 |
| Kenedy County, TX | $306,000 | $391,000 |
| Kent County, TX | $306,000 | $391,000 |
| Kerr County, TX | $306,000 | $391,000 |
| Killeen-Temple, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Kimble County, TX | $306,000 | $391,000 |
| King County, TX | $323,000 | $417,000 |
| Kinney County, TX | $306,000 | $391,000 |
| Kleberg County, TX | $306,000 | $391,000 |
| Knox County, TX | $306,000 | $391,000 |
| La Salle County, TX | $306,000 | $391,000 |
| Lamar County, TX | $306,000 | $391,000 |
| Lamb County, TX | $306,000 | $391,000 |
| Lampasas County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Laredo, TX MSA | $306,000 | $391,000 |
| Lavaca County, TX | $306,000 | $391,000 |
| Lee County, TX | $306,000 | $391,000 |
| Leon County, TX | $306,000 | $391,000 |
| Limestone County, TX | $306,000 | $391,000 |
| Lipscomb County, TX | $323,000 | $417,000 |
| Live Oak County, TX | $306,000 | $391,000 |
| Llano County, TX | $306,000 | $391,000 |
| Longview, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Loving County, TX | $323,000 | $417,000 |
| Lubbock, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Lynn County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Madison County, TX | $306,000 | $391,000 |
| Marion County, TX | $306,000 | $391,000 |
| Martin County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Mason County, TX | $306,000 | $391,000 |
| Matagorda County, TX | $306,000 | $391,000 |
| Maverick County, TX | $306,000 | $391,000 |
| McAllen-Edinburg-Mission, TX MSA | $306,000 | $391,000 |
| McCulloch County, TX | $306,000 | $391,000 |
| McMullen County, TX | $306,000 | $391,000 |
| Medina County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Menard County, TX | $306,000 | $391,000 |
| Midland, TX HUD Metro FMR Area | $357,000 | $466,000 |
| Milam County, TX | $306,000 | $391,000 |
| Mills County, TX | $306,000 | $391,000 |
| Mitchell County, TX | $306,000 | $391,000 |
| Montague County, TX | $306,000 | $391,000 |
| Moore County, TX | $306,000 | $391,000 |
| Morris County, TX | $306,000 | $391,000 |
| Motley County, TX | $306,000 | $391,000 |
| Nacogdoches County, TX | $306,000 | $391,000 |
| Navarro County, TX | $306,000 | $391,000 |
| Newton County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Nolan County, TX | $306,000 | $391,000 |
| Ochiltree County, TX | $306,000 | $391,000 |
| Odessa, TX MSA | $306,000 | $391,000 |
| Oldham County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Palo Pinto County, TX | $306,000 | $391,000 |
| Panola County, TX | $306,000 | $391,000 |
| Parmer County, TX | $306,000 | $391,000 |
| Pecos County, TX | $306,000 | $391,000 |
| Polk County, TX | $306,000 | $391,000 |
| Presidio County, TX | $306,000 | $391,000 |
| Rains County, TX | $306,000 | $391,000 |
| Reagan County, TX | $306,000 | $408,000 |
| Real County, TX | $306,000 | $391,000 |
| Red River County, TX | $306,000 | $391,000 |
| Reeves County, TX | $306,000 | $391,000 |
| Refugio County, TX | $306,000 | $391,000 |
| Roberts County, TX | $357,000 | $466,000 |
| Runnels County, TX | $306,000 | $391,000 |
| Rusk County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Sabine County, TX | $306,000 | $391,000 |
| San Angelo, TX MSA | $306,000 | $391,000 |
| San Antonio-New Braunfels, TX HUD Metro FMR Area | $306,000 | $391,000 |
| San Augustine County, TX | $306,000 | $391,000 |
| San Jacinto County, TX | $306,000 | $391,000 |
| San Saba County, TX | $306,000 | $391,000 |
| Schleicher County, TX | $306,000 | $391,000 |
| Scurry County, TX | $306,000 | $391,000 |
| Shackelford County, TX | $306,000 | $391,000 |
| Shelby County, TX | $306,000 | $391,000 |
| Sherman County, TX | $306,000 | $391,000 |
| Sherman-Denison, TX MSA | $306,000 | $391,000 |
| Somervell County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Starr County, TX | $306,000 | $391,000 |
| Stephens County, TX | $306,000 | $391,000 |
| Sterling County, TX | $306,000 | $391,000 |
| Stonewall County, TX | $306,000 | $391,000 |
| Sutton County, TX | $306,000 | $391,000 |
| Swisher County, TX | $306,000 | $391,000 |
| Terrell County, TX | $306,000 | $391,000 |
| Terry County, TX | $306,000 | $391,000 |
| Texarkana, TX-Texarkana, AR HUD Metro FMR Area | $306,000 | $391,000 |
| Throckmorton County, TX | $306,000 | $391,000 |
| Titus County, TX | $306,000 | $391,000 |
| Trinity County, TX | $306,000 | $391,000 |
| Tyler County, TX | $306,000 | $391,000 |
| Tyler, TX MSA | $306,000 | $391,000 |
| Upton County, TX | $306,000 | $391,000 |
| Uvalde County, TX | $306,000 | $391,000 |
| Val Verde County, TX | $306,000 | $391,000 |
| Van Zandt County, TX | $306,000 | $391,000 |
| Victoria, TX MSA | $306,000 | $391,000 |
| Waco, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Walker County, TX | $306,000 | $391,000 |
| Ward County, TX | $306,000 | $391,000 |
| Washington County, TX | $306,000 | $391,000 |
| Wharton County, TX | $306,000 | $391,000 |
| Wheeler County, TX | $306,000 | $391,000 |
| Wichita Falls, TX MSA | $306,000 | $391,000 |
| Wilbarger County, TX | $306,000 | $391,000 |
| Willacy County, TX | $306,000 | $391,000 |
| Winkler County, TX | $306,000 | $391,000 |
| Wise County, TX HUD Metro FMR Area | $306,000 | $391,000 |
| Wood County, TX | $306,000 | $391,000 |
| Yoakum County, TX | $306,000 | $391,000 |
| Young County, TX | $306,000 | $391,000 |
| Zapata County, TX | $306,000 | $391,000 |
| Zavala County, TX | $306,000 | $391,000 |
